Secure provisioning of credentials on an electronic device

Abstract

Systems, methods, and computer-readable media for provisioning credentials on an electronic device are provided. In one example embodiment, a secure platform system may be in communication with an electronic device and a financial institution subsystem. The secure platform system may be configured to, inter alia, receive user account information from the electronic device, authenticate a user account with a commercial entity using the received user account information, detect a commerce credential associated with the authenticated user account, run a commercial entity fraud check on the detected commerce credential, commission the financial institution subsystem to run a financial entity fraud check on the detected commerce credential based on the results of the commercial entity fraud check, and facilitate provisioning of the detected commerce credential on the electronic device based on the results of the financial entity fraud check. Additional embodiments are also provided.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS[0001]This application claims the benefit of prior filed U.S. Provisional Patent Application No. 61 / 870,134, filed Aug. 26, 2013, and of prior filed U.S. Provisional Patent Application No. 61 / 898,081, filed Oct. 31, 2013, each of which is hereby incorporated by reference herein in its entirety.TECHNICAL FIELD[0002]This disclosure relates to the secure provisioning of credentials on an electronic device and, more particularly, to the secure provisioning of commerce credentials on an electronic device for use during near field communications.BACKGROUND OF THE DISCLOSURE[0003]Portable electronic devices (e.g., cellular telephones) may be provided with near field communication (“NFC”) components for enabling contactless proximity-based communications with another entity. Often times, these communications are associated with financial transactions or other secure data transactions that require the electronic device to access and share a commerce cre...

AI Technical Summary

Benefits of technology

This patent describes a system that can verify a user's account and check if they have any fraud history. It can also work with a financial institution to check if the user has any fraud history there. Ultimately, it can give the user permission to use a specific credit card on their device.

Problems solved by technology

However, data sources commonly used for determining whether a particular commerce credential ought to be provisioned on a particular electronic device are often limited.

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